Chapter7
A fresh start.
“The fastest, easiest, and least expensive form of bankruptcy.”
The usual result: unsecured debts eliminated, while clients keep their property, including homes and vehicles.
About Chapter 7Madison, WISince 1982Chapters 7 · 11 · 12 · 13
We solve
financial
problems.
A debt relief agency in Madison, Wisconsin. We help keep businesses in business and farmers farming. We get individuals a fresh start.
Serving all of Wisconsin.
The Stay.An interactive illustration
Automatic stay
8 collections active
Illustrative · collection activity
Try a breakerTap a collection to see where we can help. Then throw the main.
The calls stop. The lien doesn’t. In Chapter 13 you pay the car what it’s worth, not what you owe.“Pay liens, but only up to what the collateral is worth.” Ask us which relief applies to your loan.
Filing log / illustrative
- Awaiting the main switch.
A little breathing room.
Time. And cash flow.
Throw the main to see an automatic stay in motion.
“An Automatic Stay is imposed immediately, providing that space in the form of both time and cash flow.”
From our Chapter 11 practice.
Chapter 7 usually takes less than 120 days.
Our clients never see a judge or courthouse.
Illustrative, not a prediction of your case. Existing liens can remain.Our clients never see a judge or courthouse.
The switchboard.
The right chapter starts with your circumstances. Here’s what each tool can do.
Chapter13
A way to catch up.
For individuals or couples with regular income. You may be able to cure mortgage arrears, without interest, over up to 5 years.
Wisconsin’s mortgage mediation program has a reported success rate of over 70%.
About Chapter 13Chapter11
Breathing room.
A reorganization can give a business time and cash flow to prepare a restructuring plan.
- “Lower your payments”
- “Protect your personal assets”
- “Encourage workout agreements”
- “Reject unprofitable leases and contracts”
Chapter12
Keep farming.
Special relief for family farmers: restructure payments to meet cash flow and keep farms and assets.
“We have been helping farmers since this law was enacted in 1986.”
About Chapter 12“Not bankruptcy
attorneys.”
“We are financial problem solvers who sometimes use bankruptcy as a tool. We recognize that bankruptcy is not always the best option.”
We stop harassment. We stop lawsuits and garnishments. And we often can do so without filing a bankruptcy case.
Consumer Protection is not an oxymoron.
Even if you owe money on a debt, you still deserve to be treated respectfully and fairly by creditors. We can work through your options inside and outside bankruptcy.
Creditor harassment
The Wisconsin Consumer Act and the federal Fair Debt Collection Practices Act protect consumers from illegal or unfair debt collection practices. You may eliminate the debt or even recover damages, including your attorney fees.
Lawsuits & garnishments
“We stop lawsuits and garnishments. And we often can do so without filing a bankruptcy case.” We negotiate agreements and consider Wisconsin reorganization laws, with attention to tax consequences.
Foreclosure defense
We review the foreclosure paperwork and possible defenses, consider mediation and negotiations, and help with loan modifications, short sales and deeds in lieu of foreclosure, including the tax consequences.
Vehicle repossession
Discuss your options for keeping your car, or arranging a voluntary repossession of a car you no longer want to maintain. Learn your rights before deciding what to do with the vehicle and its liens.
Tax debt & the IRS
Representation includes powers of attorney, responses to IRS correspondence, offers in compromise (including Forms 433-A and 433-B), installment agreements, lien and levy assistance, lien cancellation, innocent spouse relief and reduction of penalties.
Student loans
We discuss rights and repayment options for private and public student loans, defend student loan suits and negotiate deals. Talk to an attorney about the options for your loans.
Inside the door.
We start by understanding your goals and the facts. Then we explain the law and recommend a course of action.
Creative problem solving means taking the extra step. We’ve used state and federal regulations to make harassing creditors stop and pay damages to our clients.
How we workKREKELER LAW, S.C.OUR MISSION
“Our mission is to help Wisconsin people and businesses and leave them in a better position than when they first met with us.”
The people
at the panel.
Eight attorneys. Eleven staff. People who work together to help you find a way forward.
Board Certified in Bankruptcy Law for over 27 years. “No other Wisconsin lawyer can make that claim.”
- 2021 John Lederer Distinguished Service Award, State Bar of Wisconsin Solo, Small Firm, & General Practice Section
- Selected by peers for The Best Lawyers in America, 2007-present
- Wisconsin Super Lawyer in bankruptcy, 2007-present
Since 1992, Kristin has represented consumers, farmers and small businesses in state and federal courts in Wisconsin. Her practice includes business workouts, bankruptcy reorganizations, foreclosure, consumer law and tax debt.
Recipient of the 2017 Women in the Law Award from The Wisconsin Law Journal.
Meet Kristin
Colton J. Chase
Associate Attorney
Email Colton
Chad E. Kemp
Associate Attorney
Email Chad
Jeva Rhoden
Associate Attorney
Email Jeva
Aaron Kessler
Associate Attorney
Email Aaron
Celeste Gibson
Associate Attorney
Email Celeste
Noah Rusch
Associate Attorney
Email NoahIN HIS OWN WORDS
“I consider myself a debt problem solver. We will work together to identify and reach your financial goals. There is almost always a way to make things better if we are creative and work hard.”
The team behind the case.
Paralegals, legal assistants, intake and office staff.
- Cheryl WatsonBankruptcy Paralegal
- Becky IsigeOffice Administrator
- Amy ProgarBankruptcy Paralegal
- Genesis McCarthyBankruptcy Paralegal
- Nathan Gault-CrabbLegal Assistant
- Gabbie BulinLegal Assistant
- Heather SchankBankruptcy Paralegal and New Client Intake Specialist
- Eddie SanchezLegal Assistant
- Connie CulverBilling Clerk
- Mark WatsonLegal Assistant
- Megan FritschParalegal
In their own words.
Letters and notes from clients, as published by the firm.
CLIENT LETTERCHAPTER 13
“Sara and I would like to thank you for the excellent work that you and your firm did in representing Sara and I during our past financial hardship. The direction that you took with us proceeding with a Chapter 13 Bankruptcy and repayment on secured debt worked out great for us. We were worried about losing our home of over 15 years through a foreclosure that you were able to avoid.
Since completing our plan, we have been able to move forward and restore our credit. Both mine and my wives credit score are now in the high 700, nearly reaching 800 mark. We have been able to replace two of our older vehicles with two late model vehicles at great interest rates due to our credit position and we both have multiple credit cards that we pay off monthly. Things are good.
One of the best things that we have accomplished through taking this action is that our house is now payed off in full. Without your help and advice, we would have lost all the equity we had in the house.
David, we highly recommend your firm and are willing to talk to anyone that wants a firsthand reference on the excellent work you and your firm provided.”
CLIENT LETTERA DISPUTE WITH THE BANK
“I decided to use your firm after a recommendation by a very trusted attorney in Green Bay, Wisconsin. I was in a situation with a bank that was under investigation and orders by the government to figure out how to cover their past failures, by hunting down all their previous loans. We needed the best attorney for possible bankruptcy issues.
Your office was very thorough in what we needed to do to defend our assets and also how to respond to the bank that was being investigated. We also were directed and worked with if we did decided that bankruptcy was the only option. As it turned out after quite a while, the bank realized that the amount of evidence we had about their dealings, threats and the fact that their president was corrupt, caused them to just find a way to get out of the issue.
I would definitely recommend your law firm to family, friends and business associates. Your attorneys, staff and total organization is the best group to have in potential bankruptcy issues. I would tell anyone, that your group is one of the few attorney groups that can be totally trusted.
Thank you for keeping me focused on the issue, without charging me for wild goose chases.”
“Excellence!! This law office saved my home and eliminated over $60K in debt for me. They were very professional, and still were very personal in their approach to my case. I felt very safe and confident with this group of lawyers in charge of my legal business. Anyone who needs services such as they offer would be well served to work with them.”
“It was a very difficult period of my life and they made the process simple and easy to understand! They were very attentive to any questions that I had and we’re thorough in everything they did! I would recommend them to anyone!!”
Excerpt from the published testimonial.
“I was very pleased with all of the services I received. I was treated like family as my well being was their top priority.”
More notes from clients
“Thank you all so much for your help! You know how to make your clients feel comfortable in a difficult and awkward situation.”
“You make sure to tell David: thank you, thank you!! He gave me all the right advice!”
“You got me to where I needed to be. I loved working with you.”
Published client experiences describe their own circumstances. Read the firm’s client testimonials.
Bankruptcy,
Asked and Answered.
Answers to the questions clients ask about bankruptcy, from the four chapters and timelines to taxes, real estate and credit scores.
Find the book on AmazonLet’s start
with your situation.
Tell us what’s happening and what you want to keep. We’ll begin with your goals and the facts.
26 Schroeder Ct, Suite 300
Madison, WI 53711Directions to the office
Madison, WI 53711Directions to the office
Fax: 608-663-0287
Serving all of Wisconsin.
A free ebook from the firm
Krekeler Law
Foreclosure Facts.
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